Orange County's
Local Mortgage Experts
Helping Southern California homebuyers and homeowners
get the best wholesale mortgage rates.
We’re Broker Direct Lending — your Southern California mortgage experts. Led by Nathan Rose in our Orange County office, backed by Marcus Johnson’s 20+ years of proven mortgage expertise, we deliver the same trusted wholesale home loan solutions that have made our Auburn team the go-to resource in Northern California. Whether you’re buying your first home, upgrading, or refinancing, Nathan combines local market insight with access to top lenders — ensuring you get the best rate and terms available. From application to closing, we make the process clear, quick, and stress-free.
Meet Nathan - Your Local Mortgage Expert
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We shop top wholesale lenders
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Lower rates
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Faster closes
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Personal guidance end to end
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Same-day pre-approvals
Local expertise. Wholesale rates. 5-star service.
Nathan Rose serves homebuyers and homeowners throughout Orange County and Southern California. Known for his approachable style and deep mortgage expertise, Nathan helps clients secure competitive wholesale rates and navigate the home loan process with ease. Whether you’re buying your first home, moving up, or refinancing, Nathan is your trusted local mortgage resource.
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Local Orange County expertise
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Access to multiple wholesale lenders
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Streamlined, fast closings
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Backed by family-owned brokerage with 20+ years’ experience
What Our Orange County Clients Say
Real reviews from Homowners Nathan helped across Southern California
Anguiano Family
"Nathan worked tirelessly to get us the best rate and position as first-time buyers. We’re now holding the keys to our dream home!"
Jeannette C.
"Nathan made my first home purchase smooth and efficient. His expertise and dedication put me completely at ease."
Leticia G.
"Working with Nathan was a breeze! He guided me through my refinance, answered questions after hours, and made the process stress-free."
David I.
"Nathan went above and beyond—coordinating with agents, keeping me informed, and helping me secure my dream home. A true class act!"
Ready to start your own success story?
Conventional Loans
Flexible terms, competitive rates, and down payments
as low as 3%.
FHA Loans
Low down payment options with easier credit qualifications.
VA Loans
Zero-down financing for eligible veterans and active service members.
Jumbo Loans
High-value financing for luxury or
higher-priced homes.
USDA Loans
Zero-down loans for eligible rural homebuyers.
Refinancing
Lower your rate, change your term, or tap into
home equity.